Choice Financial Blog

What Lenders Actually Look For When You're Self-Employed in Ontario

What Lenders Actually Look For When You're Self-Employed in Ontario

Greg Kalanjian
Published on: 11/03/2026

I was talking to a client the other day—let’s call her Sarah. She runs a successful marketing consultancy here in the GTA. Great business, great clients, growing every year. But when she sat down to think about buying a place, she looked at me and said: "Greg, my finances don't look like someone with a pay stub. Can I really get a mortgage? Will I actually qualify?"

Self-Employed, Come Back in Two Years. Here’s Why That’s Not the Final Answer.

Self-Employed, Come Back in Two Years. Here’s Why That’s Not the Final Answer.

Greg Kalanjian
Published on: 11/03/2026

I had coffee last week with a buddy of mine—let’s call him Dave. He’s a skilled tradesperson who left a good job with a company in Mississauga to start his own renovation business. Business is booming. He’s got a packed schedule, great clients, and more work than he can handle.

Incorporated Your Business? Here’s How It Changes Your Mortgage (And What to Do About It)

Incorporated Your Business? Here’s How It Changes Your Mortgage (And What to Do About It)

Greg Kalanjian
Published on: 11/03/2026

New BlI was on the phone the other day with a buddy of mine—let’s call him Mike. He runs a successful renovation company here in the GTA. He’d just incorporated his business, feeling good about the tax savings and liability protection. Then he dropped the question: "Greg, I want to buy a new place in Burlington this spring. Did incorporating screw up my mortgage?"og Post Description

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